Best FE Carrier for Tobacco?

[Labesky]

I don't write a lot of FE so I only use a couple of carriers. SNL is 30-40% adder for tobacco

Any carrier out there with far lower premiums?

 

[jdeasy]

KSKJ Life...............

 

[TwiLight]

KSKJ stands out as the best usually. Assurity is good also.

You get many other players at around Age 70 that are not more that 5% apart.

Oxford, Assurity, MOO, Foresters.

 

[HoosierLife]

Trans, SLAC and lifeshield.

 

[BoJax]

KSKJ Life...............

In which situation is kskj not the best carrier to go with? and if I contract with them through FEX, can they advance or is it still as earned?

 

[Labesky]

Thanks fellas........................

 

[TwiLight]

In which situation is kskj not the best carrier to go with? and if I contract with them through FEX, can they advance or is it still as earned?

you mis-understand..... you have to pay KSKJ in order to write with them.....

Silly agents...

 

[BoJax]

you mis-understand..... you have to pay KSKJ in order to write with them.....

Silly agents...

I don't get it....

 

[jdeasy]

kskj only sells certificates. total liability to sell that crap to unsuspecting seniours.

How is selling certificates a liability? Whether it's crap or not is a matter of opinion.

Personally I would rather own an RNA, KSKJ, or Foresters certificate than crap like a MoO or AmAm policy. Again, that's opinion.

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In which situation is kskj not the best carrier to go with? and if I contract with them through FEX, can they advance or is it still as earned?

Cancer in the last 4 years. Insulin users. Most of the crazies. Those are just some of things that you probably wouldn't use KSKJ for.

No idea on the advancing. Or even if they are contracting new agents.

 

[BoJax]

Cancer in the last 4 years. Insulin users. Most of the crazies. Those are just some of things that you probably wouldn't use KSKJ for.

No idea on the advancing. Or even if they are contracting new agents.

Thanks for the info. They seem like a must have.